Want to learn how to find the cheapest Saab 9-3 insurance in Phoenix? Price shopping your Saab 9-3 insurance in Phoenix could be difficult for beginners to comparison shopping online. With such a large choice of companies, it can be a lot of work to find the lowest price on Saab 9-3 insurance.
It’s hard to believe, but nearly 70% of drivers renewed their policy with the same company for more than four years, and just under half have never compared rates to find cheaper insurance. Arizona drivers could pocket nearly $700 a year by just comparing rate quotes, but they just assume it’s a time-consuming process to do a rate comparison.
Most companies allow you to get pricing on their websites. Getting online rates for Saab 9-3 insurance in Phoenix is fairly straightforward because you just enter your required coverages as requested by the quote form. After you submit the form the system makes automated requests for your driving record and credit report and returns a price quote based on the information you submitted.
Being able to quote online for Saab 9-3 insurance in Phoenix streamlines rate comparisons, and it’s absolutely necessary to get many rate quotes if you are searching for the most affordable possible premiums on insurance.
To find out what other companies charge, check out the insurance providers below. If you currently have coverage, we recommend you input coverages and limits as close as possible to your current policy. Doing this assures you’re receiving rate quotes using the exact same coverages.
The following companies provide price quotes in Phoenix, AZ. If more than one company is shown, we suggest you click on several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| 9-3 2.0T 4-Dr Sedan | $182 | $382 | $288 | $18 | $86 | $956 | $80 |
| 9-3 2.0T Station Wagon | $164 | $308 | $240 | $14 | $72 | $798 | $67 |
| 9-3 2.0T XWD 4-Dr Sedan | $224 | $456 | $240 | $14 | $72 | $1,006 | $84 |
| 9-3 Aero 4-Dr Sedan | $184 | $362 | $244 | $14 | $74 | $878 | $73 |
| 9-3 2.0T 2-Dr Convertible | $254 | $538 | $288 | $18 | $86 | $1,184 | $99 |
| 9-3 2.0T XWD Station Wagon | $282 | $518 | $260 | $16 | $78 | $1,154 | $96 |
| 9-3 Aero Station Wagon | $154 | $326 | $268 | $16 | $80 | $844 | $70 |
| 9-3 Aero XWD 4-Dr Sedan | $154 | $326 | $288 | $18 | $86 | $872 | $73 |
| 9-3 Aero 2-Dr Convertible | $308 | $676 | $390 | $24 | $116 | $1,514 | $126 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rates do not factor in specific zip code location which can alter price quotes greatly.
Premiums by gender and age
The example below compares Saab 9-3 insurance costs for male and female drivers. Data assumes no accidents or driving violations, comprehensive and collision coverage, $500 deductibles, single marital status, and no policy discounts are applied.
Should you raise deductibles?
The illustration below shows how different deductible levels and can increase or decrease Saab 9-3 insurance prices for different insured age categories. The data assumes a single male driver, comprehensive and collision coverage, and no additional discounts are factored in.
Liability only or full coverage
The chart below examines Saab 9-3 insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The premiums are based on no accidents or driving violations, $500 deductibles, single male driver, and no discounts are applied to the premium.
Are you wasting money on full coverage?
There is no clear-cut rule to eliminate full coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.
For example, let’s pretend your Saab 9-3 book value is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would get paid by your company is $8,000 after the policy deductible has been paid. If premiums are more than $800 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some cases where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not drop full coverage.
Saab 9-3 insurance discounts in Phoenix
The cost of insuring your cars can be expensive, but there may be some discounts that can drop the cost substantially. Some of these discounts will be visible at the time you complete a quote, but occasionally some discounts must be manually applied before you get the savings.
- Discount for Low Mileage – Keeping the miles down on your Saab may enable drivers to earn better prices on cars that stay parked.
- Safety Course Discount – Taking a course teaching safe driver skills could earn you a small percentage discount depending on where you live.
- Driver’s Education for Students – It’s a good idea to have your young drivers complete a driver education course in high school.
- One Accident Forgiven – Not a discount per se, but companies like GEICO, Progressive, and Allstate will allow you to have one accident before your rates go up as long as you don’t have any claims for a specific time period.
- Claim-Free Discount – Phoenix drivers who stay claim-free can earn big discounts compared to drivers who are more careless.
- Driving Data Discount – Insureds that choose to allow driving data collection to spy on driving patterns by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts if they have good driving habits.
- Theft Deterrent System – Cars that have factory anti-theft systems can help prevent theft and will qualify for a discount on a Phoenix auto insurance quote.
- Military Rewards – Having a deployed family member could mean lower prices.
- Switch and Save Discount – Some larger companies reward drivers for switching to them before your current coverage expires. This discount can save up to 10%.
- 55 and Retired – Drivers over the age of 55 may qualify for better insurance rates.
Keep in mind that most discounts do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, it’s just not the way it works.
Large insurance companies and some of their more popular discounts can be found below.
- Progressive includes discounts for good student, multi-vehicle, continuous coverage, homeowner, and online signing.
- GEICO offers premium reductions for military active duty, seat belt use, five-year accident-free, multi-vehicle, anti-theft, and defensive driver.
- State Farm has discounts for anti-theft, student away at school, Drive Safe & Save, Steer Clear safe driver discount, and defensive driving training.
- Esurance has savings for homeowner, anti-theft, safety device, anti-lock brakes, online quote, and renters.
- The Hartford policyholders can earn discounts including vehicle fuel type, good student, driver training, bundle, air bag, defensive driver, and anti-theft.
When getting free Phoenix auto insurance quotes, it’s a good idea to every insurance company the best way to save money. Savings might not be offered on policies in Phoenix. If you would like to choose from a list of insurers that offer multiple discounts in Arizona, follow this link.
Here’s why insurance is not optional
Despite the fact that insurance is not cheap in Phoenix, buying insurance is required for several reasons.
First, most states have mandatory liability insurance requirements which means the state requires a specific level of liability protection if you want to drive legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your Saab 9-3, most lenders will force you to have full coverage to ensure loan repayment if the vehicle is totalled. If you default on your policy, the bank will be required to insure your Saab at an extremely high rate and make you pay for the expensive policy.
Third, insurance safeguards both your Saab 9-3 and your assets. It will also cover hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability insurance will also pay to defend you if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.
The benefits of insuring your car more than offset the price you pay, particularly for liability claims. The average driver in America is wasting up to $850 per year so you should quote your policy with other companies each time the policy renews to ensure rates are inline.
You may need specialized car insurance coverage
When quoting and comparing proper insurance coverage for your vehicles, there really isn’t a cookie cutter policy. Your financial needs are unique and a cookie cutter policy won’t apply.
For instance, these questions might help in determining whether you could use an agent’s help.
- Is motorclub coverage worth it?
- Should I drop comprehensive coverage on older vehicles?
- Am I covered when delivering products for my home-based business?
- How can I get my company to pay me more for my totalled car?
- What if I owe more than I can insure my car for?
- Does insurance cover damages from a DUI accident?
- Does my Saab 9-3 need full coverage?
- Is coverage enough to protect my assets?
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier
Compare prices but still have a local Phoenix insurance agency
Some consumers still like to have an agent’s advice and that is a personal choice. An additional benefit of getting free rate quotes online is the fact that you can find the lowest rates and also buy local. Buying from neighborhood agents is important particularly in Phoenix.
To make it easy to find an agent, after completing this short form, the quote information is immediately sent to participating agents in Phoenix who will give you bids for your insurance coverage. It’s much easier because you don’t need to even leave your home since rate quotes are delivered to your email. You can find better rates without the usual hassles of price shopping. In the event you want to get a price quote from a specific insurance company, just go to their quote page and fill out their quote form.
When finding a good Phoenix insurance agent, it’s important to understand the different types of agencies and how they differ in how they quote coverages. Agents in Phoenix can be described as either independent or exclusive depending on the company they work for.
Independent Car Insurance Agents
Agents that choose to be independent do not work for one specific company and that allows them to write policies amongst many companies and potentially find a lower price. If you want to switch companies, the agent simply finds a different carrier and you don’t have to switch agencies.
If you are comparing car insurance prices, you definitely need to get rate quotes from at least one independent agent for maximum quote selection. Many can place coverage with additional companies that you may not be familiar with which may have better rates.
Listed below is a list of independent insurance agents in Phoenix who may provide rate quotes.
- Farmer-Leavitt Insurance Agency
919 N 1st St – Phoenix, AZ 85004 – (602) 264-0566 – View Map - Citywide Insurance
1529 W Thomas Rd – Phoenix, AZ 85015 – (602) 241-9200 – View Map - MiniCo Insurance Agency, LLC
10851 N Black Canyon Hwy #200 – Phoenix, AZ 85029 – (800) 528-1056 – View Map
Exclusive Insurance Agents
Exclusive insurance agents work for only one company and examples are Farmers Insurance, American Family, State Farm and Allstate. They generally cannot compare other company’s rates so it’s a take it or leave it situation. Exclusive agents are well trained on the products they sell and that enables them to sell even at higher rates. Some people will only choose to use an exclusive agent mostly because of loyalty to the company rather than having low rates.
Below are exclusive agents in Phoenix that can give you comparison quotes.
- State Farm: Lynn Hennessy
4645 E Chandler Blvd #110 – Phoenix, AZ 85048 – (480) 759-0203 – View Map - Jim Nork – State Farm Insurance Agent
1600 W Camelback Rd #1a – Phoenix, AZ 85015 – (602) 222-9400 – View Map - Arly Sanchez – State Farm Insurance Agent
1625 N 51st Ave Ste 103 – Phoenix, AZ 85035 – (602) 455-2886 – View Map
Picking the best auto insurance agent requires more thought than just a low price. Any agent in Phoenix should have no problem answering these questions:
- Are aftermarket or OEM parts used to repair vehicles?
- Do they have a Better Business Bureau rating in Phoenix?
- Are they paid to recommend certain coverages?
- Are they able to influence company decisions when a claim is filed?
- Do they offer rental car reimbursement?
- Are they giving you every discount you deserve?
- If your car is totalled, how to they determine the replacement cost?
If you receive positive responses for all questions you ask and locked in a price quote, chances are good that you have found a car insurance agent that is a good match to insure your vehicles.
Car insurance coverage options for a Saab 9-3
Knowing the specifics of your car insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types available from car insurance companies.
Auto collision coverage
Collision insurance pays for damage to your 9-3 resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like sustaining damage from a pot hole, driving through your garage door, colliding with a tree, colliding with another moving vehicle and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible on your 9-3 to bring the cost down.
UM/UIM Coverage
Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Saab 9-3.
Since a lot of drivers only carry the minimum required liability limits (Arizona limits are 15/30/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Comprehensive or Other Than Collision
This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hitting a bird, falling objects and rock chips in glass. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Medical costs insurance
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as ambulance fees, surgery, rehabilitation expenses, prosthetic devices and pain medications. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay
Liability coverages
This protects you from damage that occurs to a person or their property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 15/30/10 which stand for $15,000 in coverage for each person’s injuries, a limit of $30,000 in injury protection per accident, and a total limit of $10,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.
Liability coverage protects against claims such as legal defense fees, attorney fees, pain and suffering and structural damage. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible. Arizona state law requires minimum liability limits of 15/30/10 but drivers should carry better liability coverage.